We believe that while it is important to choose investments and financial strategies with a
history of good rates of return, it is just as important to look at and investment's performance
in a year with a market downturn. We teach clients that to get the best return, their portfolios
cannot go backwards. We recommend investments with well-defined sell strategies that we
believe will weather downturns efficiently. The bottom line: We try to avoid loss whenever
possible.
Les H. Kern is an Investment Advisor, of a wealth management firm of D.H. Hill Advisors that is committed to helping clients get to retirement and to help provide a sound retirement income they
cannot outlive. As a true independent advisor our customized programs are designed to protect,
conserve and grow our client's wealth by sound income strategies with investments that deliver an
unprecedented level of income with services.
General Information |
| Firm Start Year: | 1982 | |
| No.of Employees: | 1 | |
| Name of Broker/Dealer: | D.H. Hill Advisors, LLLP, Member of FINRA &SIPC |
| Name of Custodial Firm: | Schwab, TD, thru Belpointe Asset Management |
| Number of Years with Current Firm: | 4 |
| Work Experience: | different schools and school at the broker dealer I went to. |
| I work with the following types of clients: | Individual Investors, Businesses, Non-Profit Organizations |
Services |
| Investment Types: | Annuities, Insurance, Income strategies, Bonds, Stocks, Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI) |
| I can meet clients in the following ways: | Video Conference, Via email, Via phone, At your office, At your home, At my office |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Disability, Casualty, Annuity, Accident, Health, Life, Long Term Care, Variable Life, Property, Variable Annuity |
| Financial Organization Memberships: | A.D.I.S.A. |
| Non-Financial Organization Memberships: | ADISA currently has more than 4,500 members from across the country in various alternative investments professions including attorneys, CPAs, broker-dealers, sponsors, lenders, mortgage brokers, qualified intermediaries, real estate agents, registered investment advisors and registered representatives. Association...Advisor Academy thru David Scranton CLU,ChFC,CFP,CFA,MISFS |
Firm Information |
| Firm's Number of Clients: | 70 |
| Firm's Number of Planning Clients: | 25 |
| Firm's Number of Managed Clients: | 25 |
| Advisor's Number of Clients: | 80 |
| Advisor's Number of Managed Clients: | 50 |
| Advisor's Number of Planning Clients: | 70 |
| Assets Managed by Advisor: | $15,000,000 |
Compliance |
| Registered Representative: | Yes |
| Investment Advisor Representative: | Yes |
| I am an acknowledged fiduciary: | Yes |
| Compliance Disclosures in Last 5 years: | I have a clean record |
| Criminal Disclosures in Last 5 years: | I have a clean record |
Compensation and Fees |
| Fee Structure: | Fee-Based (Fee and Commissions) |
| Compensation Methods: | Based on Assets, Hourly, Flat Fee, Commissions |
| Fee % Based on Assets: | .25. to 1% |
| Additional Details on Charges: | No signup fees period minimum for managed accounts varies on what a client needs. Let's talk about what I can or can not do and if I am a fit for you first. |
| Minimum Fee Charged for Managed Accounts: | .5% annually |
| Wealth Intelligence Academy - Master Trader- Advance Covered Calls |
Wealth Intelligence Academy - Salt Lake City, UT
12/2003- 1/2004 |
| Classes-no degrees - Investment,financial planning, and client service |
Advisors Academy - Ft Lauerdale , FL
10/12/2013- 12/18/2013 |
| Classes-no degrees - Wealth Transfer Deferred Sales Trust |
none.... passed exam - Wilmington, NC
3/1/2017- 3/31/2017 |
| Teaching classes - Pro-Bono Teaching to education the Public |
none-thru ACEF - Howell, MI
5/1/2006- 5/1/2007 |
| Series 24 - Compliance & Supervision |
none.... passed exam - Lansing MI
3/1/2010- 9/1/2010 |
| Monthly Classes - Financial Planning |
Sigma Financial Corp - Ann Arbor, MI
2/15/1989- 9/13/2006 |
| CRFA - Retirement Planning for Seniors |
Classes and. passed exam - Atlanta, GA
6/15/2005- 6/20/2005 |
| L.U.T.C.F - Insurance |
Private classes - Flint MI
1/10/1990-3/1/1990 |
Advisory Services offered through D.H.Hill Advisors, Inc.,A SEC Registered Investment Advisor Securities offered through D.H. Hill Securities,LLLP Member FINRA/SIPC
Advisory thru D.H. Hill Advisor Inc. A Registered Investment Advisor which is a fee only fiduciary
I am Investment Advisor, Financial Advisor & Wealth Advisor of wealth management firm that is committed to listening and helping individuals investors get to retirement, and need to know how to go from accumulation to income for retirement. We operate as FIDUCIARIES so we are ethically and legally required to invest our client assets in their best interest To help provide a sound retirement income safely they cannot outlive. I designed to protect, conserve and grow our client's wealth or give income by managing risk with a level of personal services. I take pride in servicing my clients by meeting them regularly in person or Zoom video, and promptly returning their phone calls. You will discover the safe, easy way to get results. My mission is to provide quality products and service to clients which enhances the quality of life for my clients. In doing so, I will deal with integrity and honesty, reflecting that people that are more important than dollars and that my purpose is to bring credit to our Lord Jesus Christ
Financial Advice & Consulting |
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I am expressing more interest in communicating with clients through methods such as phone, video conferencing and email....Please lets video conference! Today's market makes this a mandatory thing under the dept. of Labor. Being the fiduciary has always come first with me and consultation is FREE for me to sit down and see if we are compatible to work together |
Financial Planning for Individuals |
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This is the beginning,something everyone should do, is a written financial plan for themselves. The road map for themselves. |
Financial Planning for Businesses |
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For the business owner to sell his highly appreciate business and defer taxes gains thru Deferred Sales Trust or this is mostly for the owner and key employees to help them keep the business or help retain key employees. |
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Mon. | 9:00 AM - 5:00 PM |
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Tue. | 9:00 AM - 5:00 PM |
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Wed. | 9:00 AM - 5:00 PM |
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Thu. | 9:00 AM - 5:00 PM |
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Fri. | 9:00 AM - 12:00 PM |
| Bolivia | Burgaw |
| Carolina Beach | Castle Hayne |
| Kure Beach Delco | Hampstead |
| Leland | Oak Island |
| Riegelwood | Rocky Point |
| Southport | Wilmington |
| Winnabow | Wrightsville Beach |
| all the way to Murrells Inlet in South Carolina | |
| Bank Transfer |
A.D.I. S. A
When: 10/2018
Details:Educational fall conference with ADISA
10401 North Meridian St
Suite 202
Indianapolis, IN 46290
866-353-8422
adisa@adisa.org
ADISA Conference Spring 2017
When: 4/3-5/2017 |
By:
Les H. Kern
Location: New Orlean
Details:Learn about the latest innovations in product
structure.
Know what to anticipate regarding the dept of
labor Fiduciary Rule.
Anticipate industry and economic trends and
much more
for sales and service in the first six months of being with The Prudential
Sales and Service at Prudential
North Central Academy of Leaders The Prudential
Million Dollar Round table for being in the top 10%
North Central Academy of Leaders The Prudential
The Prudential North Central Academy of Leaders
North Central Academy of Leaders The Prudential
top agent of Michigan region
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